I was refused a Schengen tourist Visa , so how should I reapply?

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The reasons in the refusal mean that Germany does not trust you to be a genuine tourist. That is not a little thing which can be fixed with a new application. You have to look at your circumstances and explain why you would return to India.

Any new application has to take your current circumstances and your previous application into account. They will see the data from the old application, and differences must be explained.
The bank balance is not the most important part. What you need is a transparent and sufficient cash flow. (This one answers in an UK context, but the principle applies.)
It might be helpful if your friend would sign a Verpflichtungserklärung. That is much more than just an invitation letter, it promises that your friend will reimburse the German state if you overstay.

o.m. 34673

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Source: stackoverflow.com

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I was refused a Schengen tourist Visa , so how should I reapply?

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